Bank of India Limited

BSE

BANKINDIA

Stock

Yield per half year: +8.82%
Dividend yield: 2.3%
Sector: Financials

Reporting Bank of India Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Capitalization, bln ₹										515.13
Revenue, bln ₹	186.78	149.58	175.66	218.2	210	204.36	277.02	294.49	338.97	338.97	264.97	10.05
Net profit, bln ₹	-14.7	-59.61	-54.27	-30.51	20.83	34.93	38.38	65.64	95.48	95.48	51.05	35.60
EV, bln ₹									689.69	689.69	689.69	0.00
Book value, bln ₹	336.29	367.56	476.52	450.73	499.8	565.22	604.33	705.81	807.26	807.26	636.48	10.06
FCF, bln ₹		-77.1	-95.16	-57.89	375.19	-360.59	-76.68	-52.87	178.11	178.11	12.63	-13.84
Operating Cash Flow, bln ₹	-332.54	119.89	-87.76	-396.59	-338.44	-363.69	-70.45	-44.37	185.34	185.34	-126.3220	-188.65
CAPEX, bln ₹	5.15	3.44	2.98	9.62	3.49	5.72	6.23	8.51	7.23	7.23	6.24	15.68

	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
Revenue, bln ₹							87.68	74.59	75.24	67.29	77.38	76.91	85.95	79.32	96.8	83.57	84.51	1.67
Net profit, bln ₹							14.12	15.62	14.99	19.3	15.74	18.88	24.21	26.37	26.02	23.48	23.79	4.46
EV, bln ₹													874.6	832.4	717.91	768.95	798.46	-3.17
Book value, bln ₹							604.33	617.52	624.46	689.31	705.81	707.95	738.33	762.92	807.26	809.22	765.14	2.71
Operating Cash Flow, bln ₹	-48.27	178.28	378.68	-117.79	-354.87	-56.57	-70.45		-11.11				-16.26		185.34		6.19	-226.79
CAPEX, bln ₹	9.62	1.43	3.49	1.76	5.72	3.19	6.23		4.12				3.96		7.23		4.95	17.78

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Cash, bln ₹		964.65	960.24	948.6	866.09	1 266.94	975.51	846.83	831.23	1 008.37	1 008.37	985.78	-4.46
Long-Term Investments ₹		1 307.51	1 403.21	1 509.05	1 623.23	1 916.93	1 802.74	2 113.24	2 345.92			1960.41	7.64
Accounts Receivable ₹				655.38		657.63						656.50	0.17
Total Current Assets ₹		1 001.65	1 002.33	1 031.41	955.32	1 345.58	1 019.42					1070.81	0.34
Net assets, bln ₹		85.46	83.5	89.99	90.58	90.01	98.56	100.61	103.28	120.47	120.47	102.59	6.00
Assets, bln ₹		6 320.26	6 151.84	6 308.84	6 630.19	7 327.9	7 431.31	8 260.36	9 242.8	10 564.25	10 564.25	8565.32	7.59
Long-Term Debt ₹		394.91	435.98	442.65	397.52	324.64	268.21	650.15	809.6	1 238.69	1 238.69	658.26	30.71
Liabilities, bln ₹		5 983.97	5 784.28	5 832.32	6 179.46	6 828.1	6 866.09	7 656.03	8 536.99	9 756.99	9 756.99	7928.84	7.40
Net debt, bln ₹						-942.3				230.32	230.32	-355.9900	-149.44
Debt, bln ₹				442.65	397.52	324.64					650.15	388.27	-9.82
Interest Income ₹		395.85	383.13	410.05	425.91	408.54	382.81	479.32	610.73			461.46	7.47
Interest Expense, bln ₹				272.07	271.91	264.21	240.83	274.41	377.57	465.94	465.94	324.59	12.01
Net interest income, bln ₹	118.48	119.79	106.34	137.98	153.99	144.33	141.97	204.91	233.17		610.73	175.67	8.65

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
Cash, bln ₹											874.69	846.83		829.44	791.7	831.23	857.42	817.9	993.86	1 008.37	1 047.72	945.05	4.09
Long-Term Investments ₹					1 919.6	1 772.24	1 776.36	1 802.74	1 845.84	1 900.97	1 941.36	2 113.24		2 183.27	2 185.73							2064.91	2.83
Accounts Receivable ₹		633.81		683.08																		658.44	3.81
Total Current Assets ₹	959.03	957.7	955.32	1 069.58						848.56	874.69											941.17	-1.80
Net assets, bln ₹									98.77	99.52	100.23	100.61	100.71	102.21				104.05	105.19	120.47	120.83	110.55	3.40
Assets, bln ₹												8 260.36	8 336.81	8 636.69	8 843.05	9 242.8	9 612.06	10 001.26	10 454.03	10 564.25	10 803.62	10287.04	2.36
Long-Term Debt ₹									224.3	459.44	597.69	650.15	473.88	653.96				1 188.52	1 366.9	1 238.69	1 276.95	1145.00	14.32
Liabilities, bln ₹												7 656.03	7 719.29	8 012.24	8 152.08	8 535.38	8 902.53	9 262.93	9 691.11	9 756.99	9 994.4	9521.59	2.34
Net debt, bln ₹																		370.62	373.03	230.32	229.23	300.80	-11.32
Interest Income ₹						95.8	94.23	99.03	100.43	115.45	127.96	135.48	144.42	150.62	153.19							142.33	3.66
Interest Expense, bln ₹												79.48	84.67	92.56	97.92	102.42	106.93	114.03	121.66	123.33	123.21	117.83	2.87
Net interest income, bln ₹								40.15	41.28	51.12	56.51	56	59.75	58.06	55.27	162.5	170.46					101.21	23.33

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS	-21.75	-65.39	2.48	-4.89	7.56	9.35	14.42	20.97		20.97	9.48	-233.80
Share price	169.7	104.05	70.45	48.65	51.35	88.2	112.6	101.95	117.25	117.25	94.27	17.95
Number of shares, mln		2759.29	3276.92	3278.1	4104.74	4104.74	4552.67	4552.67		4552.67	4118.58	6.79
FCF/share		-34.49	-17.67	114.45	-87.85	-18.68	-11.61	39.12		39.12	7.09	-19.32

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Average for 5 quarters	CAGR 5
EPS				3.44	3.8	3.73	4.24	3.46	4.15	5.32	5.79	5.72	5.16		5.23	4.45
Share price	46.66	49.14	73.01	80.32	76.54	89.68	106.11					105.39	121.15	117.3	107.93	5.52

	Average for 5 quarters	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	-4.37	-16.22	-11.39	-6.77	4.17	6.18	6.56	9.3	11.83		12.62	15.10	7.61	23.19
ROA, %	-0.2326	-0.969	-0.8602	-0.4602	0.2842	0.47	0.4892	0.7102	0.9038		0.9641	4.14	0.5715	26.03
ROS, %		-39.85	-30.89	-13.98	9.92	17.09	13.85	22.29	28.17	28.17	28.17	46.52	21.91	10.51
ROCE, %										0	0	2.13
EBIT margin										0	0	3.07
EBITDA margin										0	0	11.03
Net margin	-7.87	-39.85	-30.89	-13.98	9.92	17.09	13.85	22.29	28.17		28.17	46.52	18.26	23.21
Operational efficiency, %								0	0	0	0	15.13
FCF yield, %											34.58	-12.26

	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %	2.34	2.64	2.48	3.11	2.43	2.67	3.28	3.46	3.22	2.9		15.10	3.11	1.67
ROA, %	0.1709	0.1882	0.1766	0.2209	0.174	0.1964	0.2421	0.2522	0.2463	0.2174		4.14	0.2309	2.05
ROS, %		20.93	19.92	28.69	20.34	24.55	28.17	33.24	26.88	28.1	28.17	46.52	28.91	0.00
Net margin	16.1	20.93	19.92	28.69	20.34	24.55	28.17	33.24	26.88	28.1		46.52	28.19	2.74

	Industry average	Average for 5 quarters	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E			7.89	6.01	9.34	7.76	4.81		4.81	79.99	7.16	-9.42
P/BV	0.6297	0.514	0.3289	0.3715	0.5933	0.7215	0.569		0.569	5.49	0.5168	11.59
P/S	1.71	1.06	0.7828	1.03	1.29	1.73	1.36		1.36	14.87	1.24	11.68
P/FCF						-4.45	-6.45	2.89	2.89	-8.34	-2.6700	-186.60
E/P						0.1125	0.1925	0.1854	0.1854	0.07	0.1635	18.12
EV/EBIT							0	0	0	4.71
EV/S						0	2.03	2.03	2.03	119.95	2.03	0.00
EV/FCF							3.87	3.87	3.87	0.21	3.87	0.00
Debt/EBITDA						0	0	0	0	3.41
Netdebt/Ebitda						0	0	0	0	3.55
Debt/Ratio		0.06	0.0443			0.0787	0.0703	0.0615	0.0615	22.66	0.0630	0.50
Debt/Equity		0.882	0.6495			6.46	6.46	12.09	12.09	6.45	5.31	68.81
Debt/Net Income		-13.03	15.59			16.94	9.9	6.81	6.81	125.58	7.24	-187.83
PEG								0.9415	0.9415	-91.60	0.9415	0.00
Beta						2.3	1.78	1.45	1.45	1.40	1.84	-14.25
Altman Index						0.0896	0.0861	0.4171	0.4171	2.87	0.1976	66.97

	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E	7.33	6.14	8.07	7.35	8.91	7.74	6.45	5.39	5.11	5.39		79.99	6.02	-6.98
P/BV	0.4655	0.4715	0.6846	0.737	0.8736	0.7742	0.6826	0.6021	0.604	0.667		5.49	0.6660	-2.94
P/S	1.02	0.9748	1.41	1.53	1.98	1.79	1.64	1.44	1.44	1.56		14.87	1.57	-2.71
P/FCF										-6.45	2.89	-8.34	-1.7800	-166.94
E/P										0.1925	0.1854	0.07	0.1890	-1.86
EV/S							10.18	10.49	7.42	9.2	2.03	119.95	7.86	-27.56
EV/FCF											3.87	0.21	3.87	0.00
Debt/Ratio										0.0703	0.0615	22.66	0.0659	-6.47
Debt/Equity										12.07	12.09	6.45	12.08	0.08
Debt/Net Income										9.9	6.81	125.58	8.36	-17.06
PEG										1.47	0.9415	-91.60	1.21	-19.97
Beta									1.12	2.46	1.45	1.40	1.68	8.99
Altman Index									0.0861	0.0861	0.4171	2.87	0.1964	69.20

	Industry average	Average for 5 quarters	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2011	2012	2013	2014	2015	2016	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Dividend payout, bln					4		8.21	8.21	12.75			16.41		8.29	33.62
Dividend	7	7	1	5	5			2	2	2.8	4.05	4.05		3.17	-4.13
Dividend yield, %		2.19	3.9	1.93	2.72	4.49		3.64	2.69	1.55	2.3	2.3	0.88	2.93	-12.52
Dividends / profit, %					-6.44		23.5	21.38	12.5	13.35		13.35	142.20	12.86	-215.70
Dividend coverage ratio							4.26	4.68	5.15		5.82	5.82	9.51	4.98	8.11

	2009Q1	2009Q3	2010Q3	2011Q3	2012Q2	2013Q2	2014Q1	2015Q3	2022Q3	2023Q1	2023Q2	2023Q3	2024Q3	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Dividend payout, bln									8.21	8.21		8.21	12.75	12.75				10.03	9.20
Dividend	3	5	7	7	7	1	5	5	2		2							3.00	14.87
Dividend yield, %	1.28	1.47	1.59	1.98	2.05	3.32	2.46	3.17	4.07		2.61						0.88	3.13	-4.70
Dividends / profit, %									96.09	58.14		54.77	52.65	48.99			142.20	62.13	-12.61
Dividend coverage ratio													1.9	2.04	4	5.82	9.51	3.44	32.29

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Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Revenue, %	4.41	1.66	2.8	2.25	2.89	2.13	2.13	5.11
Staff, people					52 209	52 209		0.00

	2024Q3	2025Q1	CAGR 5
CAPEX/Revenue, %	4.61	7.47	27.29

	CAGR 5